Legal
Terms of Service
Last updated: June 2026
By using Sentriom (OrbytPay), you agree to these terms. If you do not agree, do not use the service.
Service
Sentriom provides a digital wallet, offline payment queue, BLE/NFC proximity pay, smart bill splitting, Kaychip AI assistance, and Oloyin emergency credit on OrbytPay rails.
Eligibility
You must be 18+ and legally able to enter contracts in Nigeria. Campus features are for verified users.
Wallet & payments
- Deposited cash can transfer out; Oloyin Credit is for in-app spend only
- You are responsible for keeping your PIN and device secure
- Offline payments sync when connectivity returns and remain subject to balance checks
Oloyin Credit
Loans require eligibility (activity, deposit buffer). Interest and principal repayments are due per your schedule. One active loan at a time.
Prohibited use
No fraud, money laundering, unauthorized access, or attempts to bypass server-side wallet validation.
Disclaimer
Service is provided "as is" during beta. We may update features, limits, and fees with notice where required.